We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide

Help! Will i get a morgage

laytonanthony
laytonanthony Posts: 1 Newbie
in Mortgages & endowments
Hi Guys.

Im a self employed 28 year old with my own roofing company.
I meet all the criteria for our borrowings with my partner. we have a deposit of 10% but i have a CCJ for £25!!! Yes £25. I never knew i had it until i did a credit check on my self. The ccj is 3 years old and has now been satisfied for 2 years. Will this affect me getting a mortgage for buying my first home?
thanks in advance
ant:j

Comments

  • matttye
    matttye Posts: 4,828 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    Yes, it's likely to have a big effect.

    Have you looked into why you didn't know anything about it? Were court papers served at your old address or something?

    You've got nothing to lose by applying to have it set aside. Worst case scenario is you'll be in the same position you're in now, minus the court fee.
    What will your verse be?

    R.I.P Robin Williams.
  • ACG
    ACG Posts: 24,896 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    It may cause issues with some lenders but not enough to stop you getting a mortgage.

    I wouldnt worry about not getting a mortgage. Speak to a broker and it should be easy enough to overcome... just avoid estate agent based brokers where possible.
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • Morgage_Confused
    Morgage_Confused Posts: 397 Forumite
    Tenth Anniversary 100 Posts Combo Breaker
    How much is the house.
    How much are your tax returns showing.
    How many years of accounts do you have.
  • Senior_Paper_Monitor
    Senior_Paper_Monitor Posts: 2,918 Forumite
    Part of the Furniture Combo Breaker
    How can you satisfy a CCJ that you didn't know about ????
    Hi, we’ve had to remove your signature. If you’re not sure why please read the forum rules or email the forum team if you’re still unsure - MSE ForumTeam
  • Building_Surveyor
    Building_Surveyor Posts: 668 Forumite
    How can you have a satisfied ccj paid 2years ago but knew nothing about it?
    An opinion is just that..... An opinion
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 353.9K Banking & Borrowing
  • 254.3K Reduce Debt & Boost Income
  • 455.2K Spending & Discounts
  • 247K Work, Benefits & Business
  • 603.6K Mortgages, Homes & Bills
  • 178.3K Life & Family
  • 261.1K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture